Northpointe Bank Annual Report

We maintain the complete database with all recent information about Northpointe Bank that you may need. With the help of the annual report, you can know the financial health of the bank, see how large it is, and track the dynamics and last trends of all financial indicators. All Northpointe Bank data is relevant for May 2026.

4.2

Address

3333 Deposit Drive NE, Grand Rapids, MI 49546-6744

FDIC Certificate ID

34953

Bank Charter Class

State Chartered Banks, not member of the Federal Reserve System (FRS)

Financial report Northpointe Bank

Quarterly

Annually

Change dates

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999

2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
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2012
2011
2010
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2002
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1999

2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
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2000
1999

2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999

2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999

2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
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1999

Hide dates

All values USD, Dollar figures in thousands

Updated December 31, 2025

Item

2025

2024

2023

2022

2021

Trends

Assets and Liabilities

Total assets

7,022,546

5,223,965

4,758,446

4,401,730

4,728,459

Cash & Balances due from depository institutions

496,459

376,295

351,890

274,233

452,603

Cash items in process of collection

2,833

3,365

2,321

4,325

6,473

Collection in domestic offices

2,710

3,206

2,137

4,139

6,283

Currency and coin in domestic offices

123

159

184

186

190

Balances due from depository institutions in U.S.

42,852

48,782

41,025

46,359

37,800

Balances due from foreign banks

N/A

Balances due from FRB

450,774

324,148

308,544

223,549

408,330

Total securities *

6,085

9,881

16,045

16,202

11,733

U.S. Government securities

N/A

U.S. Treasury securities

N/A

U.S. Government agency obligations

N/A

Securities issued by states & political subdivisions

N/A

Other domestic debt securities

4,738

8,576

14,727

14,902

10,263

Privately issued residential mortgage-backed securities

N/A

Asset backed securities

N/A

Structured financial products - Total

N/A

Other domestic debt securities - All other

4,738

8,576

14,727

14,902

10,263

Foreign debt securities

N/A

Equity securities not held for trading

N/A

1,470

Equity securities available-for-sale

N/A

Credit Loss Allowance for Held to Maturity Debt Securities

N/A

Assets held in trading accounts for TFR Reporters

N/A

General valuation allowances for securities for TFR Reporters

N/A

Federal funds sold and reverse repurchase

N/A

Net loans and leases

6,320,305

4,633,637

4,121,347

3,814,732

3,980,765

Loan and leases loss allowance**

10,435

11,190

12,295

6,365

3,886

Total loans and leases

6,330,740

4,644,827

4,133,642

3,821,097

3,984,651

Unearned income

N/A

Loans and leases, gross

N/A

3,984,651

All real estate loans

2,890,805

2,926,700

2,969,567

3,015,775

2,939,439

Real estate loans in domestic offices

2,890,805

2,926,700

2,969,567

3,015,775

2,939,439

Construction and development loans

148,190

225,733

377,457

372,995

246,865

Residential 1-4 family construction

19,268

60,856

171,684

174,141

102,856

Other construction, all land development and other land

128,922

164,877

205,773

198,854

144,009

Secured by nonfarm nonresidential properties

697

952

1,343

1,628

2,498

Nonfarm nonresidential secured by owner-occupied properties

697

952

1,343

1,628

2,458

Commercial real estate other non-farm non-residential

N/A

Multifamily residential real estate

214

112

1-4 family residential loans

2,741,848

2,699,825

2,590,561

2,640,748

2,689,767

Farmland loans

N/A

108

114

190

197

Loans held in foreign offices

N/A

Farm loans

N/A

Commercial and industrial loans

15,000

7,000

16,620

9,254

3,176

Loans to individuals

N/A

178

258

599

Credit card loans

N/A

Related Plans

N/A

178

258

599

Consumer Loans - Auto

N/A

Other loans to individuals

N/A

All other loans & leases*

3,424,935

1,711,128

1,147,276

795,810

1,041,437

Loans to foreign governments and official institutions

N/A

Obligations of states and political subdivisions in U.S.

N/A

Other loans

N/A

1,041,437

Lease financing receivables

N/A

Loans to depository institutions and acceptances of other banks

N/A

Trading account assets

N/A

Bank premises and fixed assets

28,121

27,862

31,253

32,483

33,440

Other real estate owned

1,720

3,030

551

206

Direct and indirect investments in real estate

N/A

OREO: Real estate acquired

1,720

3,030

551

206

Other real estate owned: 1-4 family residential

1,552

2,387

551

206

Other Real Estate Owned: Multi-family residential

N/A

Other real estate owned: Commercial real estate

N/A

Other real estate owned:Construction & development

168

643

N/A

Other real estate owned: Farmland

N/A

Foreclosed properties from GNMA loans before June 2018

N/A

Other real estate owned in foreign offices

N/A

Goodwill and other intangibles

18,561

17,232

99,880

107,491

79,105

Goodwill

N/A

Mortgage servicing assets

17,048

15,133

95,339

101,792

72,385

All other assets

N/A

170,607

Liabilities and Capital

Total liabilities and capital

7,022,546

5,223,965

4,758,446

4,401,730

4,728,459

Total Liabilities

6,360,215

4,738,915

4,310,290

3,948,160

4,283,882

Total deposits

4,888,513

3,428,570

2,931,589

2,928,368

2,948,987

Deposits held in domestic offices

4,888,513

3,428,570

2,931,589

2,928,368

2,948,987

Individuals, partnerships, and corporations

N/A

2,674,396

U.S. Government

N/A

States and political subdivisions in the U.S.

N/A

1,100

Commercial banks and other depository institutions in U.S.

N/A

273,491

Banks in foreign countries

N/A

Foreign governments and official institutions

N/A

Deposits held in foreign offices

N/A

Deposits held in domestic offices

4,888,513

3,428,570

2,931,589

2,928,368

2,948,987

Transaction accounts

1,241,712

842,413

789,500

327,360

321,835

Nontransaction accounts

3,646,802

2,586,156

2,142,089

2,601,009

2,627,152

Money market deposit accounts (MMDAs)

188,077

210,724

233,259

374,694

188,994

Other savings deposits (excluding MMDAs)

452,620

186,464

204,955

235,649

219,623

Total time deposits

3,006,104

2,188,969

1,703,875

1,990,666

2,218,535

Federal funds purchased and repurchase agreements

N/A

Trading liabilities

N/A

N/A - idobrmtg

N/A

1,255,275

Subordinated debt

N/A

14,795

14,743

14,688

14,633

All other liabilities

N/A

64,987

Total equity capital

662,331

485,050

448,156

453,570

444,577

Bank equity capital

662,331

485,050

448,156

453,570

444,577

Perpetual preferred stock

N/A

Common stock

2,625

Surplus

297,434

202,434

202,452

Undivided profits

362,272

279,991

243,097

248,511

239,500

Equity, minor interest in consolidated subs

N/A

Memoranda

Noncurrent loans and leases

90,965

78,954

62,204

21,072

20,094

Income earned, not collected on loans

28,353

20,934

21,057

14,883

7,254

Earning assets

6,819,371

5,015,862

4,486,339

4,099,999

4,436,542

Long-term assets (5+ years)

943,281

1,076,477

1,649,128

2,267,367

2,354,969

Average total assets

6,275,306.6

5,079,400

4,672,890

4,374,757.2

3,865,326

Average assets, quarterly

6,930,990.5

5,304,884.5

4,823,857.5

4,393,484.5

4,334,581.5

Total risk weighted assets adjusted

5,915,841

4,215,531

4,169,094

3,777,941

N/A

Adjusted average assets for leverage capital purposes

6,978,944

5,360,476

4,774,231

4,267,479

4,224,372

Life insurance assets

N/A

General account life insurance assets

N/A

Separate account life insurance assets

N/A

Hybrid life insurance assets

N/A

Volatile liabilities

492,340

284,965

191,988

90,046

430,216

Insider loans

N/A

2,310

2,610

3,647

3,747

FHLB advances

1,422,500

1,258,750

1,275,000

925,000

1,247,000

Loans and leases held for sale

309,213

217,073

352,443

790,964

2,202,828

Unused loan commitments

4,532,557

2,741,731

3,666,446

3,088,866

247,367

Tier one (core) capital

663,255

487,519

451,147

449,919

437,652

Tier 2 Risk-based capital

8,333

15,477

18,275

21,053

N/A

Total unused commitments

4,532,557

2,741,731

3,666,446

3,088,866

247,367

Derivatives

610,592

514,983

544,366

1,958,674

4,600,100